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Our Loan Products
Simple. Flexible. Fast. Designed to fit more customers, more often.
Prime
The go-to home loan solution for PAYE and self-employed customers with clear credit.
Our Prime product offers PAYE or self-employed customers the flexibility they need, at competitive interest rates. We accept a range of income types, and for self-employed customers they can verify their income through a variety of options.
Product Features
- Borrow up to $2m
- Up to 80% LVR
- NZBN 24 months
- Debt consolidation up to $100k
- Cash out up to $500k (<75% LVR) and $200k (>75% LVR)
- Flexible employment criteria, including part time and casual
Near Prime
A simple home loan for customers who require more flexibility.
Near Prime may be the best fit for PAYE or self-employed customers with clear credit, but don’t quite meet the requirements to be eligible for Prime. Near Prime offers more options for consolidating debt, with multiple ways to prove your self-employed income.
Product Features
- Short term and casual employment accepted
- NZBN registration from 12 months
- Self-employed verification via 1 years’ tax return or alternative alt doc options
- Judgements & defaults up to $1000 or older than 24 months old ignored
- Unlimited debt consolidation, including tax debt and loans from private lenders
- Release up to $500,000 of equity
- Borrow up to 80% LVR
Specialist
A flexible home loan for customers getting back on their feet financially.
Our Specialist product can help customers get back on their feet financially with flexible options for refinance and debt consolidation, plus simplified documentation requirements.
No automated credit scoring – we assess each application on a case-by-case basis to fully understand the customer’s circumstances.
Product Features
- Unlimited debt consolidation including tax debt, business debt or privately funded loans
- Release up to $200,000 of equity
- Discharged bankruptcies acceptable if more than 1 day
- Judgements & defaults up to $1,000 or older than 12 months old ignored
- Borrow up to 80% LVR
Specialist+
A home loan for customers who are recovering from financial difficulties
Specialist+ might be the right product for customers who find it hard to obtain finance due to previous credit issues, bankruptcy or defaults.
No automated credit scoring – we assess each application on a case-by-case basis to fully understand the customer’s circumstances.
Product Features
- Can borrow up to $1.25m
- Borrow up to 80% LVR
- Release up to $200,000 of equity
- Unlimited debt consolidation including tax debt, business debt or privately funded loans
- Defaults/Judgements up to 2 over $1,000 in the last 12 months ignored
- Discharged bankruptcies acceptable if more than 1 day